(GBCI) Glacier Bancorp - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 5.929m USD | Total Return: 19.2% in 12m
Avg Turnover: 38.0M
EPS Trend: 11.9%
Qual. Beats: 1
Rev. Trend: 98.4%
Qual. Beats: 0
Warnings
Choppy Below Avwap Earnings
Tailwinds
No distinct edge detected
Glacier Bancorp, Inc. is a regional bank holding company headquartered in Kalispell, Montana, providing a full suite of commercial and retail banking services. The company operates through a decentralized model, managing multiple distinct bank brands across the Western United States to maintain local market autonomy. Its core operations include deposit mobilization, mortgage origination, and a diverse lending portfolio spanning commercial real estate, agriculture, and residential construction.
The regional banking sector typically relies on the net interest margin, which is the spread between interest earned on loans and interest paid on deposits. Glacier Bancorp specifically focuses on community banking, a business model that prioritizes relationship-based lending to small and medium-sized enterprises within its geographic footprint. For a deeper look into these financial metrics, ValueRay offers comprehensive analytical tools. This strategic focus allows the firm to capture market share in rural and suburban growth corridors often underserved by national money-center banks.
- Aggressive regional acquisition strategy drives asset growth and market share expansion
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Loan portfolio performance tied to Mountain West economic and real estate trends
- Non-interest expense management impacts efficiency ratio and bottom-line profitability
- Deposit beta fluctuations influence funding costs and liquidity position stability
| Net Income: 266.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.00 > 1.0 |
| NWC/Revenue: -1.24k% < 20% (prev -1.40k%; Δ 157.0% < -1%) |
| CFO/TA 0.01 > 3% & CFO 409.8m > Net Income 266.6m |
| Net Debt (-5.54b) to EBITDA (414.6m): -13.36 < 3 |
| Current Ratio: 0.30 > 1.5 & < 3 |
| Outstanding Shares: last quarter (130.2m) vs 12m ago 14.70% < -2% |
| Gross Margin: 71.21% > 18% (prev 0.64%; Δ 7.06k% > 0.5%) |
| Asset Turnover: 5.06% > 50% (prev 4.52%; Δ 0.55% > 0%) |
| Interest Coverage Ratio: 0.91 > 6 (EBITDA TTM 414.6m / Interest Expense TTM 400.5m) |
| A: -0.59 (Total Current Assets 8.19b - Total Current Liabilities 26.9b) / Total Assets 31.7b |
| B: 0.04 (Retained Earnings 1.20b / Total Assets 31.7b) |
| C: 0.01 (EBIT TTM 362.6m / Avg Total Assets 29.8b) |
| D: 0.04 (Book Value of Equity 1.02b / Total Liabilities 27.5b) |
| Altman-Z'' = -3.62 = D |
| DSRI: 0.98 (Receivables 122.8m/104.0m, Revenue 1.51b/1.26b) |
| GMI: 0.90 (GM 71.21% / 64.24%) |
| AQI: 0.90 (AQ_t 0.73 / AQ_t-1 0.81) |
| SGI: 1.20 (Revenue 1.51b / 1.26b) |
| TATA: -0.00 (NI 266.6m - CFO 409.8m) / TA 31.7b) |
| Beneish M = -3.05 (Cap -4..+1) = AA |
As of May 24, 2026, the stock is trading at USD 47.80 with a total of 385,410 shares traded.
Over the past week, the price has changed by +4.61%,
over one month by -2.46%,
over three months by +0.63% and
over the past year by +19.22%.
Glacier Bancorp has received a consensus analysts rating of 3.83. Therefore, it is recommended to buy GBCI.
- StrongBuy: 2
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 56.5 | 18.2% |
P/E Forward = 21.3675
P/S = 5.7166
P/B = 1.4946
P/EG = 1.7491
Revenue TTM = 1.51b USD
EBIT TTM = 362.6m USD
EBITDA TTM = 414.6m USD
Long Term Debt = 239.6m USD (from longTermDebt, last quarter)
Short Term Debt = 2.14b USD (from shortTermDebt, last quarter)
Debt = 2.49b USD (from shortLongTermDebtTotal, last quarter) + Leases 82.7m
Net Debt = -5.54b USD (calculated: Debt 2.49b - CCE 8.03b)
Enterprise Value = 390.4m USD (5.93b + Debt 2.49b - CCE 8.03b)
Interest Coverage Ratio = 0.91 (Ebit TTM 362.6m / Interest Expense TTM 400.5m)
EV/FCF = 1.07x (Enterprise Value 390.4m / FCF TTM 364.3m)
FCF Yield = 93.31% (FCF TTM 364.3m / Enterprise Value 390.4m)
FCF Margin = 24.14% (FCF TTM 364.3m / Revenue TTM 1.51b)
Net Margin = 17.67% (Net Income TTM 266.6m / Revenue TTM 1.51b)
Gross Margin = 71.21% ((Revenue TTM 1.51b - Cost of Revenue TTM 434.5m) / Revenue TTM)
Gross Margin QoQ = 75.08% (prev 74.18%)
Tobins Q-Ratio = 0.01 (Enterprise Value 390.4m / Total Assets 31.7b)
Interest Expense / Debt = 16.08% (Interest Expense 400.5m / Debt 2.49b)
Taxrate = 17.99% (18.0m / 100.2m)
NOPAT = 297.4m (EBIT 362.6m * (1 - 17.99%))
Current Ratio = 0.30 (Total Current Assets 8.19b / Total Current Liabilities 26.9b)
Debt / Equity = 0.59 (Debt 2.49b / totalStockholderEquity, last quarter 4.25b)
Debt / EBITDA = -13.36 (Net Debt -5.54b / EBITDA 414.6m)
Debt / FCF = -15.20 (Net Debt -5.54b / FCF TTM 364.3m)
Total Stockholder Equity = 3.90b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.89% (Net Income 266.6m / Total Assets 31.7b)
RoE = 6.83% (Net Income TTM 266.6m / Total Stockholder Equity 3.90b)
RoCE = 8.75% (EBIT 362.6m / Capital Employed (Equity 3.90b + L.T.Debt 239.6m))
RoIC = 4.28% (NOPAT 297.4m / Invested Capital 6.94b)
WACC = 10.76% (E(5.93b)/V(8.42b) * Re(9.74%) + D(2.49b)/V(8.42b) * Rd(16.08%) * (1-Tc(0.18)))
Discount Rate = 9.74% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 95.45 | Cagr: 7.40%
[DCF] Terminal Value 70.36% ; FCFF base≈346.6m ; Y1≈393.4m ; Y5≈564.7m
[DCF] Fair Price = 88.47 (EV 5.98b - Net Debt -5.54b = Equity 11.5b / Shares 130.1m; r=10.76% [WACC]; 5y FCF grow 13.86% → 2.50% )
EPS Correlation: 11.88 | EPS CAGR: 1.99% | SUE: 0.95 | # QB: 1
Revenue Correlation: 98.38 | Revenue CAGR: 13.29% | SUE: 0.69 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.76 | Chg30d=-0.22% | Revisions=+0% | Analysts=6
EPS next Quarter (2026-09-30): EPS=0.83 | Chg30d=-0.20% | Revisions=-25% | Analysts=6
EPS current Year (2026-12-31): EPS=3.16 | Chg30d=+0.16% | Revisions=-11% | GrowthEPS=+41.2% | GrowthRev=+25.6%
EPS next Year (2027-12-31): EPS=3.65 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=+15.3% | GrowthRev=+8.5%
[Analyst] Revisions Ratio: -25%